TX lenders / Community Bank
First National Bank of Central Texas
Community Bank · Waco, TX · 2013 Monte Hulse Family Irrevocable Tr I
- Total assets
- $1.7B
- CRE loan book
- $629.2M
- QoQ CRE growth
- 1.2%
- Q1 2026
Recorded CRE activity — mclennan County
2 commercial deeds of trust recorded recently, verified from county records.
- Jun 26, 2026 · unknownundisclosed
- Jun 26, 2026 · landundisclosed
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.12% as of Q1 2026 — TX bank median 6.76% (0.64pp below median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.12% | 6.23% |
| Q4 2025 | 6.27% | 6.33% |
| Q3 2025 | 6.34% | 6.49% |
| Q2 2025 | 6.22% | 6.35% |
| Q1 2025 | 6.03% | 6.14% |
| Q4 2024 | 6.15% | 6.32% |
| Q3 2024 | 6.08% | 6.31% |
| Q2 2024 | 6.01% | 6.29% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
For a current market estimate for your property, use the terms estimator →
CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $629.2M | $142.8M | $38.3M | 215% | $0 |
| Q4 2025 | $621.5M | $142.3M | $35.7M | 217% | $0 |
| Q3 2025 | $585.7M | $138.4M | $23.3M | 202% | $460,000 |
| Q2 2025 | $588.9M | $126.3M | $28.7M | 208% | $460,000 |
| Q1 2025 | $589.4M | $129.1M | $24.1M | 208% | $460,000 |
| Q4 2024 | $574.1M | $133.6M | $23.4M | 204% | $460,000 |
| Q3 2024 | $587.7M | $147.9M | $33.7M | 224% | $0 |
| Q2 2024 | $591.3M | $159.0M | $34.0M | 232% | $0 |
First National Bank of Central Texas: frequently asked questions
- How large is First National Bank of Central Texas's commercial real estate loan book?
- As of Q1 2026, First National Bank of Central Texas reported $629.2M in commercial real estate loans out of $1.7B in total assets, per its FFIEC Call Report.
- Is First National Bank of Central Texas above the 300% CRE concentration guideline?
- First National Bank of Central Texas's CRE loans stood at 215% of total risk-based capital as of Q1 2026, below the 300% CRE concentration supervisory guideline.
- Is First National Bank of Central Texas growing or shrinking its CRE lending?
- First National Bank of Central Texas's CRE loan book grew 1.2% quarter-over-quarter as of Q1 2026 — a net balance change that reflects payoffs and sales as well as new originations.
- How active is First National Bank of Central Texas in recorded CRE lending?
- 2 commercial deeds of trust naming First National Bank of Central Texas as lender have been recorded recently in mclennan County, verified from county records; the most recent was recorded Jun 26, 2026.
Answers generated from the verified data on this page — FFIEC Call Reports, county records, and first-party conversations — as of the dates shown.
Similar lenders
Other community banks we track with a comparable CRE book size.
- United Bank of MichiganCommunity Bank · Grand Rapids · $621.1M CRE book
- Blue Sky BankCommunity Bank · Pawhuska · $618.9M CRE book
- Cornerstone Capital Bank, SSBCommunity Bank · Houston · $612.8M CRE book
- Farmers State BankCommunity Bank · Waterloo · $608.1M CRE book
- Gateway First BankCommunity Bank · Jenks · $653.8M CRE book
See all alternatives to First National Bank of Central Texas →
Last updated Jul 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.